The Organization Form Of Agricultural Insurance And The System Construction Research

Agricultural insurance is one of the important tools of risk management of agricultural natural hazard, as an important means of governments to protect agriculture and agricultural subsidies. However, the multiple, systemic of the agricultural risk and the subject of the special nature of agricultural insurance, which is a worldwide practice problems and the hot topic of the theory. China’ agricultural insurance tests for decades has been unable to break through the predicament of agricultural insurance business, the direct intervention and financial subsidies of government for agricultural insurance in a new round, promoting the agricultural insurance premium growth, but as a business entity of the commercial insurance company is engaged in agricultural insurance because of policy prevailed, or it is for "other insurance to support agricultural insurance"of the profitability of insurance business and tries to do so. In the context of being short of new agricultural risk management tools and agricultural insurance business technology, from the perspective of organizational form to look into the plight of China’s agricultural insurance, and through organization form and system innovation, it is a purpose of this research to provide ideas for China’s agricultural insurance development.The construction of agricultural insurance institution is a system engineering. As a academic conception, agricultural insurance system bear with its theory criterion, namely,the agricultural insurance system includes four factors:object、thought、rule and carrier. But the theory plan of construction of agricultural insurance system should can resolve actual problem, consider the cost of system theory plan to system theory implement. So the theory plan of construction of agricultural insurance system must base on the study of history of agricultural insurance, on the understand of agricultural insurance practice, on the analysis of the situation of our country, on the comprehend of criterion of agricultural insurance system.